Likely a bit of fear driven by reduced finance commissions and...

Likely a bit of fear driven by reduced finance commissions and various other demographics ( car market might be at the top, tho that is a more complex thing).

So if earnings growth is hurt, best she may be able to do is maintain the dividend. That being the case a higher dividend (lower share price) may be called for.

I still like the company and will accumulate more if the price goes lower.

The lowest price I would think would be about 3.25, where she would pay a 7 percent divvy.